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Merchants benefit from consolidated payouts for both card and ACH in a single deposit; ISVs unlock new payments revenue by adding faster, consolidated and compliant bank payments with GrailPay
About Infinicept
Infinicept provides a PayFac as a Service that enables software companies to embed payment processing directly into their platforms, offering comprehensive solutions for both card and ACH transactions.
Industry: Payment Processing
Business Model: Embedded Payment Facilitator (Payfac as a service)
Location: Denver, CO
Website: infinicept.com
The Opportunity
With a modernized ACH provider, Infinicept could scale Launchpay, its standout payfac-as-a-service platform
Infinicept has built a well deserved reputation as a leading payments provider, helping over 300 customers in more than 50 countries process over $24B for more than 45,000 merchants with deeply embedded solutions.
As their portfolio expanded with the growth of Launchpay, Infinicept’s payfac-as-a-service solution, they saw the value in adding a modern ACH provider focused on flexibility and program partnership that could match their longstanding excellence in card processing.
Infinicept couldn’t settle for trade offs between speed, security, and efficiency. Legacy ACH providers offered solutions that were either inflexible or dependent on complex integrations, lengthy manual merchant onboarding processes, and cumbersome risk management practices.
They needed to present a streamlined experience to clients that could consolidate operational needs with existing infrastructure, while simultaneously improving upon longstanding limitations in ACH.
Quote placeholder: "[Infinicept stakeholder quote about the challenge of finding integrated ACH solutions that could match their card processing capabilities]"
The GrailPay Solution
A unified platform for Risk & ACH offering offers a seamless customer experience, embedded in Infinicept’s existing technology
GrailPay demonstrated a clear understanding of Infinicept's needs: a single provider that could safely onboard customers and their merchants to manage payments while eliminating multiple integrations and complex workflows.
The relationship consolidates underwriting and payments flow, meaning Launchpay clients can manage onboarding and payments all from one place, with all of the business information they were already using for compliance.
We’re thrilled to be working with GrailPay for our ACH. Their platform covers risk and money movement all in one place, making implementation for our customers as simple as it gets. The adoption so far has exceeded expectations, and I can only imagine it gets even better as we work together to improve our seamless partnership. Scott Agatep, CEO, Infinicept
The Impact
Infinicept’s Launchpay has accelerated impressive growth and traction
GrailPay delivered exactly what Infinicept needed: a seamlessly embedded ACH partner that speeds up payments and the people processes that power them. With increased ACH payment speeds and less manual work to manage them, Infinicept’s LaunchPay is the most truly comprehensive payfac platform addressing both immediate processing needs for its clients, and long-term scalability requirements.
Before GrailPay
- Separate payouts for card and ACH
- Multiple manual reviews to onboard merchants to card and ACH
- Siloed KYB, KYC, returns, and operational data across cards and ACH
With GrailPay
- Consolidated underwriting allows for instant boarding of merchants with one application
- One consolidated daily payout to merchants
- Launchpay client portal enriched with ACH, one source of truth for all payments
Infinicept's clients now have access to the same level of sophistication for ACH payments that they've come to expect from card processing. The unified approach has eliminated the complexity of managing multiple payment types while providing the compliance and risk management practices that high growth software companies require.
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